We provide custom solutions to reward, protect, and retain your key employees, execs, and owners.    

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Yes, we are very good at what we do and are actively looking to help other clients.   Please schedule a few minutes so we can learn about your organization and see if we're a good fit.  

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We'd Love to Help!

Select Key Person Carveout Ideas

Executive Medical Plan

Executive Medical Carveout Plans reimburse participants for out-of-pocket medical expenses (deductibles, co-pays, etc...) up to $100K. *Premiums paid (and expensed) by the company and benefits received tax-free.  A great ROI for all involved vs a taxable bonus or raise. 

Gross-Up Disability and Life Insurance Plans

Group Disability Plans typically only protect up to 60% of an employees earnings (and the benefits are usually taxable). However, for partners and key employees with higher earnings (including K1 earnings) an Executive Disability and/or Life Insurance Carveout Plan can provide more adequate protection for their earnings and lifestyle.  Please note:  Underwriting may be required on individual plans.

Long Term Care Protection

The need for Long Term Care has geometrically increased over the years (and so has the cost).  *Select Long Term Care Carveout Plans provide a portable safety net and potential tax-deductibility for the business.  It's a win-win for all involved.  

Worldwide Emergency Ambulance / Air-Transport

A unique, affordable benefit.  This portable benefit provides total coverage for emergency ambulance and air-transport service anywhere in the US/Canada.  Perfect for Key Employees and Owners that frequently travel or protection vs a huge expense in Self-Funded Insurance Plans.

Financed Retirement Plan

For the right situation, a Financed Retirement Plan is a great way to leverage the firm to provide additional life insurance protection AND a potentially large tax-free income to select partners and employees.  This is a great tool to dramatically kick start retirement savings for middle age owners and partners and provide protection for their loved ones.

High Income Plans

Creative solutions to reward high income owners and partners including: RPTs (Restricted Property Trust), Cash Balance (401h) Plans, Section 162 and Split Dollar Life Insurance Plans. 

We'd love to learn more about you & your organization!  

Recruit, Reward, Retain, Protect

*Please note:   All concepts, strategies, and products mentioned may not be suitable for you or your company. Information provided is not intended to be legal or tax advice.  Please consult with your tax and legal advisor for specific tax and legal questions.